Detect and stop fraud in real time
Monitor every transaction with adaptive rules, machine learning, and risk scoring — approving good payments and blocking bad ones instantly.
Live transaction stream
Card payment
$1,240.00
ACH transfer
$8,900.00
Refund
$320.00
Payout
$14,500.00
Everything you need to fight payment fraud
Real-Time Scoring
Score every transaction in milliseconds so you can approve, review, or decline before money moves.
Adaptive Rules Engine
Build, test, and deploy rules without code, and adjust thresholds instantly as fraud patterns shift.
Machine Learning Models
Combine hand-tuned rules with ML risk models trained on your data to catch emerging fraud.
Anomaly Detection
Surface unusual spikes in velocity, amount, or geography that deviate from normal behavior.
Device & Behavioral Signals
Fingerprint devices and analyze behavior to detect account takeover, bots, and coordinated attacks.
Link Analysis
Connect transactions across accounts, cards, and devices to expose fraud rings and mules.
Case Management
Route flagged transactions into a unified queue with full context for fast, consistent decisions.
Smart Alerts
Get notified only when risk truly changes, reducing noise and analyst fatigue.
Velocity Checks
Track frequency and volume across any dimension to catch bursts and testing behavior.
Flexible Data Enrichment
Enrich every transaction with merchant, identity, and network intelligence in one call.
Backtesting & Replay
Replay historical traffic against new rules to measure impact before going live.
Chargeback Protection
Reduce disputes and losses by stopping high-risk payments before they settle.
How teams use Transaction Monitoring
Stop fraud in real time without adding friction
Score every payment as it happens and act instantly — approving trusted customers while blocking fraud before funds leave your platform. No batch delays, no manual bottlenecks.
| Risk Score | Amount | Payment Source | Triggered Rules | Payer |
|---|---|---|---|---|
| 2 | $1,405.00 | 3008 | 0 Rule | stepniscoll@outl |
| 35 | $1,405.00 | 3008 | 3 rules | stepniscoll@outl |
| 88 | $1,405.00 | 3008 | 1 rules | stepniscoll@outl |
| 47 | $1,405.00 | 3008 | 1 rules | stepniscoll@outl |
Score Details
Catch evolving fraud with layered detection
Combine adaptive rules, machine learning, and network analysis to detect account takeover, card testing, and coordinated attacks that single-signal systems miss.
Transaction Alerts
$6,762.81
Payment Method
**** 2440
Billing ZIP
125910
BIN
542418
BIN Type
Citi MasterCard
Risk Evaluation
AVS
Transaction ID
d475f9bd5f2842qefhb816124vl
Location
Investigate and resolve alerts faster
Give analysts a single queue with full transaction context, link analysis, and audit trails so they can make consistent decisions and continuously tune your defenses.
Default base score of 40 applied due to missing peer payment volume benchmarks even though lifetime TPV is high.
Elevated dispute activity: 21 disputes on 228 transactions (~9% dispute rate) greatly exceed the peer expectation of 0 disputes.
Explosive growth detected: The 7-day total transaction volume reached 10,474.64 USD, with a sharp surge on 2025-04-20 and 2025-04-21.
Merchant stability: A business age of 216 months helps lower risk, slightly offsetting the adverse signals.
See what Viraways can do for you
From signals to actions, Viraways powers every step of your merchant risk workflow.